Seeing that you have 0 record also mean you're untrustworthy.

This is a scenario of
"I don't know you, even my friends don't know you, im not willing to give you money because nobody can vouch for you"

Classic "chicken and egg" scenario.
You need to have a credit record to get a credit card but
You need credit card to build credit record.


But honestly Maybank Gold CC is actually one of the easiest.

Also they also check your bank statements, if all the time by end of the month only left RM1.00 then hard to justify approval